NAVIENT CORP
NAVI, JSM · Security Brokers, Dealers & Flotation Companies · 94.0M shares · -15%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $286M (gross $310M, SBC $24M)
Grade
D47Navient — student-loan servicer/holder in runoff, reporting a loss.
Strengths
- Large legacy loan portfolio generating cash
Risks
- Net loss; ROE -3.3% (12th pct); extreme leverage (D/E 17, 99th)
- Runoff/declining-franchise and regulatory exposure
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- High leverageHigh leverage (debt/equity 16.94)
- Buying back stockNet buyback — share count -15%/yr over 4y
- Revenue declineRevenue -38.6% YoY
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Return on equity
-3.3%
Return on assets
-0.2%
Revenue growth (QoQ)
-38.6%
Net-income growth
-161.1%
Debt / equity
16.9×
Tangible book value
$2.0B
Cash & investments
$637M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-04 | ARNOLD FREDERICK | Grant | 18K | $7.77 |
| 2026-06-04 | Lawson Michael A | Grant | 18K | $7.77 |
| 2026-06-04 | YOWAN DAVID L. | Grant | 36K | — |
| 2026-06-04 | YOWAN DAVID L. | Tax withheld | 15K | $7.77 |
| 2026-06-04 | YOWAN DAVID L. | Option exercise | 107K | — |
| 2026-06-04 | YOWAN DAVID L. | Tax withheld | 43K | $7.77 |
| 2026-06-04 | YOWAN DAVID L. | Disposition | 64K | $7.77 |
| 2026-06-04 | YOWAN DAVID L. | Grant | 18K | $7.77 |
| 2026-05-22 | STANDISH TROY | Tax withheld | 1.1K | $8.44 |
| 2026-05-22 | HAUBER STEPHEN M | Tax withheld | 816 | $8.44 |
| 2026-03-04 | STANDISH TROY | Grant | 52K | $8.68 |
| 2026-03-04 | HAUBER STEPHEN M | Grant | 73K | $8.68 |
| 2026-03-02 | STANDISH TROY | Tax withheld | 1.8K | $8.62 |
| 2026-03-02 | HAUBER STEPHEN M | Tax withheld | 4.8K | $8.62 |
| 2026-02-09 | HAUBER STEPHEN M | Tax withheld | 3.0K | $10.03 |
| 2026-02-09 | STANDISH TROY | Tax withheld | 1.8K | $10.03 |
| 2026-02-07 | HAUBER STEPHEN M | Tax withheld | 5.2K | $10.05 |
| 2026-02-07 | STANDISH TROY | Tax withheld | 3.1K | $10.05 |
| 2026-02-06 | STANDISH TROY | Tax withheld | 893 | $10.05 |
| 2026-02-06 | HAUBER STEPHEN M | Tax withheld | 3.0K | $10.05 |
| 2025-12-31 | YOWAN DAVID L. | Tax withheld | 24K | $13.00 |
| 2025-11-28 | STANDISH TROY | Tax withheld | 769 | $12.40 |
| 2025-07-03 | YOWAN DAVID L. | Tax withheld | 24K | $14.82 |
| 2025-05-23 | STANDISH TROY | Tax withheld | 1.1K | $13.25 |
| 2025-05-23 | HAUBER STEPHEN M | Tax withheld | 789 | $13.25 |
| 2025-05-12 | CABRAL ANNA ESCOBEDO | Other | 11K | $14.05 |
| 2025-05-12 | CABRAL ANNA ESCOBEDO | Other | 11K | $14.05 |
| 2025-03-03 | Fisher Joe | Tax withheld | 7.1K | $13.91 |
| 2025-03-03 | STANDISH TROY | Tax withheld | 2.3K | $13.91 |
| 2025-03-03 | HAUBER STEPHEN M | Tax withheld | 5.0K | $13.91 |
| 2025-03-03 | GREEN DAVID S | Tax withheld | 1.1K | $13.91 |
| 2025-02-09 | STANDISH TROY | Tax withheld | 1.7K | $13.58 |
| 2025-02-09 | Fisher Joe | Tax withheld | 5.9K | $13.58 |
| 2025-02-09 | HAUBER STEPHEN M | Tax withheld | 2.8K | $13.58 |
| 2025-02-07 | STANDISH TROY | Grant | 22K | $13.58 |
| 2025-02-07 | Fisher Joe | Grant | 46K | $13.58 |
| 2025-02-07 | Fisher Joe | Grant | 48K | $12.96 |
| 2025-02-07 | HAUBER STEPHEN M | Grant | 31K | $13.58 |
| 2025-02-07 | HAUBER STEPHEN M | Grant | 33K | $13.58 |
| 2025-02-07 | STANDISH TROY | Grant | 23K | $13.58 |
| 2025-02-07 | MILLS LINDA A | Grant | 18K | $13.58 |
| 2025-02-07 | Lawson Michael A | Grant | 10K | $13.58 |
| 2025-02-07 | CABRAL ANNA ESCOBEDO | Grant | 10K | $13.58 |
| 2025-02-07 | ARNOLD FREDERICK | Grant | 10K | $13.58 |
| 2025-02-06 | Fisher Joe | Tax withheld | 5.3K | $13.79 |
| 2025-02-06 | STANDISH TROY | Tax withheld | 845 | $13.79 |
| 2025-02-06 | HAUBER STEPHEN M | Tax withheld | 2.6K | $13.79 |
| 2025-02-04 | HAUBER STEPHEN M | Tax withheld | 3.7K | $13.79 |
| 2025-02-04 | STANDISH TROY | Tax withheld | 1.4K | $13.79 |
| 2025-02-04 | Fisher Joe | Tax withheld | 5.1K | $13.79 |
| 2025-01-01 | CABRAL ANNA ESCOBEDO | Option exercise | 12K | $13.29 |
| 2024-12-31 | YOWAN DAVID L. | Tax withheld | 24K | $13.29 |
| 2024-12-31 | YOWAN DAVID L. | Tax withheld | 24K | $13.29 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-05 | Shareholder vote | filing ↗ |
| 2026-05-29 | Material agreementDebt obligationExhibits | filing ↗ |
| 2026-04-29 | ResultsExhibits | filing ↗ |
| 2026-04-08 | Exec/director changeExhibits | filing ↗ |
| 2026-01-28 | ResultsExhibits | filing ↗ |
| 2026-01-08 | Exec/director changeExhibits | filing ↗ |
| 2025-11-19 | Reg FDExhibits | filing ↗ |
| 2025-10-29 | ResultsExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-05 | 2026-06-04 | 0001140361-26-024115 ↗ |
| 8-K | 2026-05-29 | 2026-05-26 | 0001193125-26-248512 ↗ |
| 10-Q | 2026-04-29 | 2026-03-31 | 0001193125-26-191605 ↗ |
| 8-K | 2026-04-29 | 2026-04-29 | 0001193125-26-187863 ↗ |
| 8-K | 2026-04-08 | 2026-04-02 | 0001140361-26-013765 ↗ |
| 10-K | 2026-02-26 | 2025-12-31 | 0001193125-26-076753 ↗ |
| 8-K | 2026-01-28 | 2026-01-28 | 0001193125-26-025024 ↗ |
| 8-K | 2026-01-08 | 2026-01-06 | 0001140361-26-000724 ↗ |
| 8-K | 2025-11-19 | 2025-11-19 | 0001140361-25-042674 ↗ |
| 10-Q | 2025-10-29 | 2025-09-30 | 0001193125-25-256361 ↗ |
| 8-K | 2025-10-29 | 2025-10-29 | 0001193125-25-254009 ↗ |
| 10-Q | 2025-07-30 | 2025-06-30 | 0000950170-25-100241 ↗ |